Mine is thru Combined life. When I got it a few years back it was $15./mo for 1/2 unit which pays $50./day inpatient & the same for home recovery/disability time. It also pays for other stuff, but havent fallen into the catergory so dont remember what. The premium increases about 75 cents a year, but the benefits increase also. I currently pay $18./mo. There was a waiting period for the CF claims tho. I believe it was only 1 year tho....I can check if you really want. Its been so long now I dont know for sure! The premium schedule increases with age so the longer you wait to get it the more it will cost...